PhotonMatters
Recover more,

Recover more, at a lower cost to collect.

AI-driven collections that segment every account by propensity to pay, choose the right strategy, and engage borrowers across SMS, WhatsApp, voice and agents, so the right action reaches the right account at the right time.

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The Overview

Stop treating every delinquent account the same.

Blanket call lists and one-size-fits-all reminders burn agent hours on accounts that would have self-cured, while genuinely at-risk borrowers slip into deeper arrears. PhotonMatters Debt Collection scores each account on propensity to pay, then routes it to the strategy and channel most likely to recover, automatically.

Low-effort accounts get a gentle digital nudge; high-risk ones get prioritised agent and field action. Promise-to-pay is tracked end to end, settlements are managed in-platform, and every interaction feeds dashboards that show exactly what is working, by segment, channel and team.

Propensity-driven

focus effort where recovery is most likely.

Omnichannel

SMS, WhatsApp, voice and agents from one strategy.

Promise-to-pay tracking

commitments followed up automatically.

Live dashboards

recovery, cure and cost-to-collect at a glance.

Collections agent at work
Capabilities

A full recovery engine, end to end.

From segmentation to settlement: every stage of the collections journey in one platform.

01

Account segmentation & propensity-to-pay

Score every delinquent account on the likelihood it will pay, and cluster accounts into segments with shared risk and behaviour.

02

Prioritisation & strategy engine

Rules and models decide which accounts to work first and which strategy to apply, so agent and channel capacity goes where it pays off.

03

Omnichannel outreach

Reach borrowers on SMS, WhatsApp, voice and live agents from a single orchestration layer, with channel chosen by propensity.

04

Promise-to-pay tracking

Capture commitments, schedule automatic follow-ups, and flag broken promises the moment a payment date is missed.

05

Agent & field-collection workflows

Queue work, script conversations and route field visits with mobile workflows that keep desk and field teams in sync.

06

Settlement & dashboards

Negotiate and book settlements in-platform, and track recovery, cure rates and cost-to-collect on live dashboards.

How it works

  1. 01

    Segment

    Score and cluster delinquent accounts by propensity to pay, balance, bucket and behaviour.

  2. 02

    Prioritise

    The strategy engine ranks accounts and assigns the right treatment, channel and timing to each.

  3. 03

    Engage

    Reach borrowers across SMS, WhatsApp, voice and agents, capturing promises to pay as you go.

  4. 04

    Recover

    Book payments and settlements, then feed outcomes back to sharpen the next cycle’s strategy.

Outcomes

Higher Cure rates

propensity targeting puts the right treatment on accounts most likely to recover.

Lower Cost-to-collect

digital channels handle self-curing accounts and free agents for the hard cases.

Fewer Roll-forwards

early, well-targeted action keeps accounts from sliding into deeper buckets.

Lift your recovery

See AI collections on your portfolio.

Share a sample of your delinquent book and we’ll model the cure-rate and cost-to-collect impact in a working demo.

Book a demo
Collection Marketing AI

Behaviour-driven nudges that turn reminders into repayments.

Reconciliation AI

Match recovered payments to ledgers automatically.